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about becoming a homeowner

Habitat for Humanity of Montgomery and Delaware County sells newly constructed or renovated homes to qualified families and individuals who live or work in Montgomery or Delaware County and meet the program qualifications. Our homebuyers purchase their homes with affordable mortgages and pay taxes on the full values of their homes.

to be eligible for our home buyer program

  • You must live or work in Montgomery or Delaware County for at least one year.
  • You must have a need for better housing, be able to pay an affordable mortgage and be ready and willing to invest hundreds of hours in ‘sweat equity.’
  • Only applicants that are not currently homeowners will be considered.

common misperceptions

  1. We do not ‘give’ families homes in exchange for sweat equity.
  2. Habitat homeowners DO work on the houses they eventually purchase but that labor does not replace the mortgage or the responsibility to pay for it.
  3. We don’t give houses away.
  4. Our families pay a mortgage for their homes. To qualify, they must have stable income and go through a detailed financial screening process similar to that of traditional mortgages.
  5. We do not provide crisis or other short-term housing.
  6. Because of our program requirements, we cannot help families in emergency situations.

information session and application form

The application cycle for our Home Buying program is currently CLOSED.

If you are interested in receiving updates on our home-buying program, please contact Kim Cassada at or 610-278-7710 x132.

what do you need

Potential homebuyers must have a need for stable, affordable housing. You might be living in transitional housing or struggling with overcrowded or poorly built, unhealthy, damaged or inadequate housing. You might be paying more than 30% of monthly income for housing, or you might be unable to obtain a traditional mortgage or save for a traditional down payment.

ability to pay

Families must be able to afford monthly mortgage payments*, which include principle, taxes and insurance. Typical monthly payments range from $650 to $825 per month for 30 years.

We look at applicants’ credit history for evidence of a good payment history and responsibility, but we do not require a minimum credit score. Potential homeowners must have a consistent income and/or employment history. Habitat MontDelco lends to families that make between 30 and 60 percent of median income for the county for rehabbed homes. For new construction homes, Habitat MontDelco lends to families that make between 30 and 80 percent of the median income for the county. We look at gross income (income before taxes) and include all stable sources of income, such as disability, social security, food stamps, alimony and child support. Compare your income against the chart below to see if your income falls within the minimum and maximum amount.

Habitat MontDelco
income limits

willingness to partner

Potential homeowners must first attend an information session. Once selected, potential Habitat homeowners must partner with us throughout the process. This partnership includes performing 200 hours of “sweat equity” – construction work on homes and financial literacy classes and working in one of our ReStores or in the office. Sweat equity hours must be completed before purchasing a home.

All homebuyers are required to attend our Almost Home program of 40 classroom hours and one-on-one time with a financial coach. This program teaches crucial financial literacy skills to ensure that families can afford their mortgages and weather future financial challenges.

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